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Eltropy orchestrates growth, optimizes performance, and delivers tangible value for 700+ credit unions and community banks. See how our customers are transforming themselves with the Unified Conversations Platform.
Record Loan Growth
In just one year, they achieved the largest auto and home loan growth in its 70-year history.
“We’ve done a great job of keeping our delinquency rate low, but without the ability to text our members, that number would’ve gone up.”
Sean Manion
Vice President of Lending
What if the key to cutting delinquencies wasn’t more calls — but fewer?
For years, APL Federal Credit Union followed the traditional playbook for collections: phone calls, voicemail reminders, and mailed notices. But members weren’t picking up, payments were slipping through the cracks, and delinquency rates kept climbing. The process wasn’t just inefficient — it was outdated.
Then came the shift – with Eltropy. APL FCU embraced Text Messaging as their primary communication channel. Instead of ignored calls, members received simple, automated texts: “Your payment is due. Reply PAY to settle it now.” No awkward conversations. No friction. Just action.
Within a month, delinquencies dropped and loan-related call volumes shrank. Secure payment links and system integrations ensured every interaction was seamless, compliant, and effortlessly tracked.
Today, APL FCU isn’t just collecting payments — they’re transforming the member experience. With record-high loan growth and a proactive collections strategy, they’ve proven that sometimes, the smartest move isn’t making more noise — it’s meeting members where they are. And in today’s world, that means a text, not a call.
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